South West Business Finance is a broker of credit and not a lender. South West Business Finance is a trading name of Aspire Commercial Finance Limited Registered in England & Wales under No: 09076273. Aspire Commercial Finance Limited is authorized and regulated by the Financial Conduct Authority( 690089) also a member of the NACFB( 06 / 0035 / CM) funding solutions for your business and property needs
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FINANCE
FINANCIAL HEALTH IS WEALTH
Founders of South West Business Finance, Daniel Smith and Steve Barrett share their insights on maintaining financial health during the seasonal slowdowns.
Why is the summer period challenging for business cashflow? Steve: Summer often brings a slowdown in business activities. Clients and key decision-makers are on holiday, leading to delayed payments and postponed projects. This seasonal dip can strain cash reserves, especially for SMEs without substantial financial buffers.
What proactive measures can businesses take to manage cashflow during this period? Dan: Preparation is key. Businesses should:
• Forecast Accurately: Anticipate reduced income and plan expenditures accordingly.
• Communicate with Clients: Encourage timely payments through clear communication.
• Review Expenses: Identify non-essential costs that can be deferred.
• Explore Financing Options: Consider short-term financing solutions to bridge gaps.”
How does SWBF support businesses facing these challenges? Steve: At SWBF, we offer tailored financial solutions, including:
• Invoice Financing: Unlock funds tied up in unpaid invoices.
• Short-Term Loans: Provide immediate capital to cover operational costs.
• Asset Finance: Leverage existing assets to secure funding.
Our team works closely with clients to understand their unique needs and recommend the most suitable options.
Any final advice for businesses during the summer months? Dan: Use this period as an opportunity to reassess and strengthen your financial strategies. Proactive planning and seeking expert advice can turn a potential slump into a period of growth and preparation for the busier months ahead.
Steve Barrett and Daniel Smith, Co-Founders, SWBF
For personalised financial advice and solutions, contact SWBF today.
Visit the website, give the team a call or email: enquiries @ swbf. co. uk
SWBF ECONOMIC BRIEFING
Back due to popular demand, economist Mark Berrisford-Smith will be returning to Cumberwell Park Golf Club in Bradford on Avon this autumn. The event hosted by SWBF will take place on Thursday 9th October between 9am-12pm. The event is free to attend but there are only a limited number of spaces available. To register your interest, email: nataliecharteris @ swbf. co. uk.
South West Business Finance is a broker of credit and not a lender. South West Business Finance is a trading name of Aspire Commercial Finance Limited Registered in England & Wales under No: 09076273. Aspire Commercial Finance Limited is authorized and regulated by the Financial Conduct Authority( 690089) also a member of the NACFB( 06 / 0035 / CM) funding solutions for your business and property needs
01225 800849 www. swbf. co. uk
THE BUSINESS EXCHANGE 2025 21